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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Any info greatly appreciated on Goldfish CC, please.**REFUNDED**


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Hi,

 

Found this fantastic site via Google. I've read loads of threads / pages over the past few nights but was still wondering if anybody could help with basic info (apologies if it's staring me in the face.)

 

I've had a CC with (originally) Goldfish (now Barclaycard) since the late 90's. I was laid off last November and I've asked them repeatedly if they could help with / freeze the interest payments till I'm financially back on my feet / in work. They haven't, and the interest is crippling. I'm making basic monthly re-payments so it's going nowhere.

 

I'm completely knew to CCA requests or full & final payment letters etc etc....so first up, is it worth sending them a CCA? I'm in Scotland.

 

Appreciate any replies.

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Hello and Welcome, bl10.

 

Yes, by all means send them a CCA request...........

 

Letter 'N' in the library...................

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send recorded, with a £1 postal order and don't sign it.

 

Also, do you know how many charges they have applied to the account, these can all be claimed back.

 

If you need any more help, just ask.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks very much, Scott.

 

I'll do it Monday. Dumb question, so apologies, but, do I leave the PO blank or make it payable to Goldfish or Barclaycard?

 

Thanks in advance.

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Hi,

 

I've always left mine blank, but you should make it payable to Barclaycard, or does it matter, maybe someone else would like to advise.

 

I'll move this thread to Barclaycard Forum.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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OK, no problem :) I'm sure they can fill it in themselves.

 

When they reply, post up their response so others can have a look and advise.

 

EDIT: Sorry, just realised thats what you've said :rolleyes:

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi BL,

 

You didn't answer Scott's Q about whether you've been charged penalties on the a/c.

 

If you have, you should set about reclaiming them. Read Link No1 in my signature below. If you don't have the last 6 years statements, send BC a SAR with £10.

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Hi Slick.

 

Yeah, there are late payment fees over the past decade on the Goldfish Credit Card. Have I read you right: I can successfully claim them back? if so, how?

 

I've also received a letter from Mercers.

 

Shall I make a payment to Barclaycard Goldfish direct whilst I'm waiting on the CCA reply?

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Hi BL,

 

Read the Reclaiming Guide at Link No1 in my signature below.

 

If you need the statements from BC, send a SAR with the £10 fee.

 

Make up your SOC on a site spreadsheet and send it to BC with this Prelim Letter - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

If BC have not replied to your CCA request within 14 days, you can stop paying on the a/c. If a pay't is due before then, you should make at least the minimum pay't.

 

Send Mercers a letter saying you've sent a CCA request to BC and M's should therefore hold any collection action.

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Hiya,

 

If your original Goldfish card was with HFC which was then transfered to Morgan Stanley and Goldfish bank then I believe you may be in the same position as me. :)

Barclaycard took mine over last year and completely ignored the arrangements I had in place and I've had to fight to reclaim interest and keep the arranged payments. Now the review time is due they've started slapping on the interest and getting stroppy.

 

I don't hold out much hope of seeing a CA because I also had a marbles account with HFC which was assigned to Phoenix recoveries last year and they still haven't produced even a T&C! My N244 is in with the judge as I type ;)

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt.html

 

Good Luck, You will receive plenty of support.

 

Regards, Spam

  • Haha 1

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Hi all.

 

Thanks for the replies and suggestions. I've made the minimum payment.

 

Here's the (bog standard?) reply from Barclaycard. 2 pager which ends... ''This completes our obligation to you under Section 78 of the Consumer Credit Act 1974. Yours Sincerely etc etc...

 

28k59ci.jpg

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I'm almost envious! :rolleyes:

 

They completely ignored the CA request I sent in April...I know they received it because I have the proof of delivery.

 

I sent them a SAR a couple of weeks ago too so I'll wait and see if they ignore that too. :)

 

Continued good luck with your quest.

 

Spam

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Thanks.

 

What do I do next regarding the CCA, please?

 

And does anyone know the correct Barclaycard Goldfish address to send the Subject Access Request?

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Hi,

 

With regards to addresses, this link is probably the best to use.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1986320.html

 

As far as the CA is concerned Have you actually received 'their idea of' one under seperate cover or are you still waiting?

 

Depending on what you have received is where you go from here. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Thanks for the link.

 

Still waiting on their ''under seperate cover'' one....as all I've received is the letter above.

 

Do I wait another 14 days? ....or have they got longer?

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Thanks for the link.

 

Still waiting on their ''under seperate cover'' one....as all I've received is the letter above.

 

Do I wait another 14 days? ....or have they got longer?

 

If you haven't received it within the statutory time limit of your request you can then send them a letter saying that the account is in dispute until such times as you receive the agreement.

 

I'll scout out a template for you and post it when I've got it. :-)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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OK,

 

This thread has two letters on it that could be useful to you.

 

One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.

 

Hope it helps.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Get the SAR sent off to the Northampton address on your statement.

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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OK,

 

This thread has two letters on it that could be useful to you.

 

One post is about a letter to send if, when you get your agreement, it turns out to be the usual T&Cs, and the other is if you haven't received anything within the 12+2 days.

 

Hope it helps.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html

 

Thanks for doing that. Great reading.

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  • 1 month later...

Hello again.

 

Just to update....I've received my 6 years worth of statements today....I'm making the minimum payment and it goes without saying they've never sent me the CCA.....I haven't sent them the Account In Dispute letter as I wanted to see if they'd repay the late fees first....

 

Is there a template letter I can send off in reply claiming all the late fees? and is it a flat 8% I've to add on to the total?...or have I read that completely wrong via other threads?

 

The letter also states...''This information (the statements) we have enclosed relating to this account is all that we hold''...is that a standard reply or an admission of sorts that they don't have my CCA?

 

As always, appreciate any replies, please.

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Hi bl

 

Slick suggested this link with regards to claiming the charges..

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

The letter also states...''This information (the statements) we have enclosed relating to this account is all that we hold''...is that a standard reply or an admission of sorts that they don't have my CCA?

 

 

That reply is a standard reply...tomorrow you could get an envelope with something else in it or an envelope with nothing in it, as in my case:rolleyes:

 

Dealing with Barclaycard is like pulling teeth... and banging your head against a brick wall...you need lots of patience.

 

Spam.:)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Prelim Claim letter - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

Spreadsheets - http://www.consumerforums.com/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

In your Prelim, you don't ask for 8% Int't - this only gets added if you file your claim at court.

 

If you want to claim higher interest from them, you should do so from the outset. Read here - http://www.consumerforums.com/resources/templates-library/51-guidance-notes/233-interest-tutorial

 

Good threads including Contractual Interest to read in this forum are Mackerel's - http://www.consumeractiongroup.co.uk/forum/barclaycard/138906-mackerel-barclaycard.html

 

.... and Skintboy's - http://www.consumeractiongroup.co.uk/forum/barclaycard/171099-barclaycard-round-2-a.html

 

Read them both thoroughly - it'll serve you very well.

We could do with some help from you

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  • 2 weeks later...

Thanks Spam & Slick for the replies...

 

The Template Prelim letter was sent a few days ago....If I don't hear anything (in 14 days from the sent date?) do I send off the LBA one?

 

Thanks.

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Oh YES !!

 

;)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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